SIPPs (Self Invested Personal Pension) are an alternative to the traditional pension schemes we generally think of and are known in some circles as the Rolls Royce of pensions compared to the everyday common place stakeholder/state pension.

SIPPs are becoming more popular amongst investors, with Standard Life reporting a 38% increase during the first half of 2011, as new government legislation lowers the entry amount; and as individuals become more financially savvy about their money and the state of their pension(s).

Originally created in the early Nineties to cater for extremely wealthy savers with pension funds over £200,000, the reason for the’ Rolls Royce’ term, in recent years those who have no source of income can contribute up to £3,600 a year into a SIPP.

SIPPs are most beneficial to those who have a number of pension schemes and want to bring these retirement plans, plus any investments together in one easily manageable pension wrapper. A SIPP may also be appropriate if you are self-employed or if you’re current employer does not have a pension scheme.

Additionally SIPPs will also be of benefit if you are looking for; increased freedom to invest in a wider range of investment options, more flexibility on when you start to draw your pension and how you choose to take this income and finally a far greater choice of pension benefits for your dependants or spouse when you die.

With a SIPP a 25% income tax free lump sum is able to be withdrawn and the remainder is available to buy an annuity. As with all pensions, the money cannot be withdrawn until age 55. Simple and inexpensive ‘low-cost’ SIPP have opened the market to middle-income investors looking to boost returns by going it alone.

One of the key differences between a SIPP and a Stakeholder pension is even though they are both classed as Personal Pension Plans and have the same rules regarding tax relief and contributions stakeholder pensions are more basic. They generally can accept payments of as little as £20pm and investment choices are limited to about 20 funds managed by the pension provider; whereas SIPPs offer a far more extensive list of investments and greater flexibility and control. Investments are not limited to funds and also include, but this is not limited by, shares, bonds, gilts, investment trusts, cash and commercial property. As such each SIPP is different reflecting each individual’s short and long-term financial goals and needs as well as circumstances.

Set up fees and annual charges vary depending on the SIPP Provider but can start around the £250/£350 region.

5 Great Things About a SIPP?

• Gives you a sense of autonomy and control over your financial future
• The choice of vehicles to put in your SIPP wrapper is extensive, and  can included products such as Carbon Credits, Rare Earth Metals, Precious Metals aka investment Gold!!!

• Funds go to your beneficiaries on death rather than the government, Pension Company and/or your employers.
• Tax benefits similar to any personal pension plan.
• Can borrow up to 50% of the net value of the pension fund to invest in any assets, although in practice SIPP trustees are only likely to permit this for commercial property purchase.

5 Thinks NOT So Great about a SIPP?

• You are willing to accept a higher level of investment risk
  • You are willing to accept a higher level of charges depending on the type of SIPP you go for; there are three types: Deferred, Hybrid and Pure or Full.
  • You could lose some benefits such as Guaranteed Annuity Rates or cover for life assurance if you choose to transfer out of your current pension fund
  • You have to be prepared to do the homework and regularly monitor your investment
  • You have to be confident as well as comfortable to stand by your own investment decisions – good or bad!

Conclusion

When looking at a SIPP you obviously need to look at how it will fit into your long term financial planning goal; as such its suffice to say that you need to do your due diligence in the VEHICLE in which you wish you use for your SIPP – remember you can use multiple; as well as not put all your money in one basket (if possible) and of course get some advice – which is ultimately someone else’s opinion rather than fact! As I always advocate YOU should be your own best financial advisor as it is your money not an IFA; a SIPP allows you to do that.

Finally, take this into consideration this scenario, if you have a pension fund worth £30k which if crystallised today would give maybe £7,500 or less tax free then approx £20 a week. Firstly, who can live on this? Secondly, what normal fund can increase this up to a liveable level in 10 – 15 years with sensible but frequent contributions? What then is the real risk of, at a minimum, considering the range of vehicles a SIPP wrapper offers? Especially if you look at how many pension funds are currently negative or even negligible i.e. do not have enough money to pay out.

So on that note, isn’t it time that you become financially savvy about (your) pensions, and in particular SIPPs? If yes, then get in-touch by sending an email to info@butterflywealthcreation.com to arrange a FREE Pension review.

To your financial success and becoming financially savvy!

P.S. If this article interests you then do check out my vlog on Gold, Pension and ISAs.

Over the past 6 years, British gilts have lost more than two-thirds of their purchasing power when stacked up against the yellow metal.

In my latest vlog for my Tuesday series of ‘Gold, Money and the Economy, I talk about gilts, what they are and how they work. Check out the video blog below….

http://www.youtube.com/watch?v=Q-Bn7QqHgUE

As stated this coming Monday 13^th February at 8pm GMT I will be conducting a webinar on ‘Gold & Pension’ whilst also looking at gilts and ISAs. The link to register the webinar is http://bit.ly/z1BIB6

In addition to the webinar, my business associate Marcus Matthews of Gold and Silver Global  is holding a special briefing on his new Gold Sipps programme on Monday, 20^th February 2012 and Tuesday, 21^st February 2012 at 6:30pm  – 8:30pm in Central London.

He asks -

Do you feel that your savings and pensions are going down a black hole?

Is there something wrong with devaluing your hard-earned money by printing or creating billions more of it?

Would you like your wealth and investments protected in real precious metal money?

Would you like a pension you can manage yourself – with a ‘free’ 25% or 40% top up?

If YES, then click here to give the requested donation of £13 in Advance £16 on the door to attend.

I will be there on the Tuesday 20^th February evening, if you would like to meet me there.

Until then look out for my next vlog this coming Tuesday 14^th February!

For further reading on Gilts click here.

To your financial success and becoming financially savvy!

P.S. Please note the above video is part of my 30 day video challenge which I am doing with 29 other fabulous ladies! Please check us out here – http://www.30daysbusinesschallenge.com as well as like and share our posts! Thank you!

You may have missed this last week…many people did, for various reasons. Some reasons being they don’t understand it, they don’t want to understand it and/or they don’t think it is relevant to their lives! But on the contrary it is! What I am talking about?

Nothing too important other than the UK’s debt level has reached over £1 trillion! To see how this very astonishing news (do you know how much £1trillion is?) affects you and your money watch the video below.

http://www.youtube.com/watch?v=R5t1YVRsET8

Interestingly enough I wrote about the UK’s debt crisis back in 2010, read the article here; since that time I have been investing in Gold and taking other measures to not only become financially savvy and advocate the importance of doing so to others, but I have been working to create my own personal economy.

It has to be understood that If you want the government to look after you from cradle to grave then it is going to come at a steep cost, and one which is turning many into the living dead! Simply meaning individuals existing instead of living; and in particular living with a purpose or even ‘on purpose’.

Are you one of those people  - a living dead? If yes, then it’s time to wake up! If no, then spread the ‘becoming financially savvy’ word as well as this post!

Two ways of becoming financially savvy: 1. have a consultation with me! And 2. arrange a financial health-check here.

For further information on the UK debt problem go to

-           UK Economy shrinks, debt rises

-          The cost of UK Inflation

-          UK Debt bomb – http://www.debtbombshell.com/

To your financial success and becoming financially savvy!

P.S. Please note the above video is part of my 30 day video challenge which I am doing with 29 other fabulous ladies! Please check us out here – http://www.30daysbusinesschallenge.com as well as like and share our posts!

Next economic update will be next Tuesday 7th February! 

Portrait of Scrooge McDuck by ~jaggudada on deviantART

When learning new things, be it a language, a skill and/or a trade, it can sometimes prove difficult and at times very challenging.

For many learning about personal finance, the economy and money – how it works, and how to make it work harder for you, can be daunting and disingenuous due to our understanding of and interest in the subject(s); as well as our limiting beliefs with money and ultimately our relationship with it because of those beliefs.

One sure way I always find that makes learning easy is to break it down to a child’s level or even learning from what children learn from, i.e. children’s books, programmes and games.

So on that note, I wanted to share with you a Walt Disney Cartoon created in 1967 called ‘Scrooge McDuck ad Money, where Scrooge McDuck teaches Huey, Dewey and Louie the basics about money & its history, economics and investing.

It is easy to watch and not too long! So enjoy and do share in the comment box what your thoughts are on it!

Oh and one more thing – Tomorrow the Gold Event of 2012 is finally here – ‘How to Become Financially Savvy with Gold & Profit from it in 2012’.  There are still some tickets left, so why not give your finances a ‘golden touch’ for the New Year and attend this informative and value packed workshop – http://Bit.ly/Gold2012!

Part One

http://www.youtube.com/watch?v=Hwk1MBRNUz0

Part Two

http://www.youtube.com/watch?v=tP3Rv-nib5M

Remember, as Robert Kiyosaki says ‘”Without financial education, your money flows to those who profit most from your financial ignorance .’ and we are seeing the truth of this statement becoming more evident daily as the global financial crisis continues unabated.

To your financial success and becoming financially savvy!

Butterfly Wealth Creation

This New Year I believe will be one of reaping what one has sowed over the last several years. So if you have sowed well, nurtured and been patient expect good crops; if you have sowed complacency then that is what you will reap!  There has already been various warnings of more austerity and the degrading of a top world country; which has been shocking for many but brings into realisation that 2012 is going to be the year of economic reckoning.

I have been writing this blog now for two years and so am very in-tuned with what is going on around me re. the global economy, which is simply a cleansing. Too much debt and greed has piled on the pounds – so to speak – on the economy – globally and nationally – and now it is time to shed the weight, realign and get healthy. Which is one of the reasons I appreciate the value of Gold; first of all it is one of the oldest currencies in the world, has always retained its value; and finally it is a thermometer to how sick the economy. As such, gold may continue to fluctuate due to market, but it will continue to rise because the sickness in the economy still has some way to go before it gets healthy again.

It is for this reason that this Saturday I am holding an event on Gold with some of the UK’s top Gold speakers, including Minesh Bhindi of Gold for Life and Dominic Frisby, Commodities Commentator for MoneyWeek.com. It will be opportunity for those who want to know more about gold, purchase gold and profit from gold to come along and ask any questions they have ever had to the panellist. It is going to be a great day of learning!

http://www.youtube.com/watch?v=qP7ob6ydIJc

Prediction for 2012

Some people may feel my predictions are obvious but there is a saying which goes ‘to say you know but do nothing, is not to know’.  So without further ado here are my predictions for 2012.

1. The Euro in its current format will cease to exists
2. UK  economy will stagnate and there will be more big name high street closures
3. Unemployment will increase simply because of the lack of movement in the economy, creating a rise in entrepreneurs aka solo-prenuers.
4. The value of our fiat currencies will continue to decrease due to money printing and of course this will increases the cost of living.
5. There will be a number of defaults in the property market, globally and nationally
6. The UK GDP deficit will increase due to unemployment , thus less taxes coming in but more benefit payouts
7. Precious metals will increase in value
8. We are going to have a great Olympics!

For the last two years I have made it my mission to become financially savvy, to create my own personal economy but more importantly to read, acknowledge and understand why we are going through the world’s biggest financial crisis, and subsequent the greatest wealth transfer ever seen in history.  Will we survive it? Of course we will! But for some of us, we don’t want to just survive it but thrive in it because in every challenge there is an opportunity!  It is for this reason why most millionaires are created during a recession. And a recession is definitely what we are in.

So to end, there is a Proverbs quote that sums up quite aptly three categories of people ‘Some people make things happen, some watch things happen, while others wonder what has happened.”

Which category are you?

Until next time, to your financial success and becoming financially savvy

Butterfly Wealth Creation

When most people think of Greece two things usually springs to mind – their sprawling ancient history and the numerous plays depicting the various misfortunes of life, know as tragedies. However, this is all changing now with current day tragedy of deficits, cuts and riots unfolding every day in Greece!

Since the credit crunch of 2008 Greece has been bailed out several times by the ECB and IMF, but this has not necessarily been to save Greece but to save the Euro and the shaky foundations on which the Eurozone is currently standing on.

Watch the short video below to get an overview of what is happening in Greece, and what could potentially happen here in the UK and other parts of the Western world!

httpv://www.youtube.com/watch?v=X9UVx3L2dHo

So there we have it! Ultimately when Greece entered the Euro it entered with cooked books, everybody knew it and now, on that foundation, the Euro is simply looking like an experiment gone wrong!

You may be asking yourself well what has this got to do with me?  Well the international banking system is so intrinsically linked if Greece defaults then various financial institutions around the world, including UK banks, will be exposed to their debt and this would create a major global catastrophe.

The Eurozone debt problem does not just lie at the feet of Greece but all the PIIGS country  – (Portugal, Ireland, Italy and Spain). The latest happenings now is that Italy’s borrowing costs has hit a record 7% , with today’s Guardian headlines states ‘European debt crisis spiralling out of control – And ‘Reports that Germany and France have begun talks to break up the Eurozone amid fears Italy is too big to rescue.’

I have been writing about the deterioration of the Euro since last year and now with this new development it would seem my perceptions were correct! One cannot solve a debt crisis with debt!! So will the Euro be here this time next year? Maybe, maybe not, but if it is not as we know it!

To end, the tragedy is not so much a Greek one but a Eurozone one! And one that highlights their desperation to save the Euro against all odds!  As always I recommend anyone watching this scenario play out to put a part of their savings in gold. Why? Because Gold is a crisis commodity! I.e. in times of crisis go to gold!  Not only that but our governments are broke this is nothing new…governments like companies do go broke but as such they will break their promises to their citizens in order to survive which means pensions and benefits will continue to decrease and taxes to rise; including introduction of new taxes and the continuation of stealth tax such as inflation.

This is why it is important…no imperative….that one gets financially savvy by protecting your assets (Gold, SIPP) and creating your own personal economy – a course I actually teach on.

If you want ideas on how to do this then do arrange a consultation with me as well as attend this weekend’s wealth creation event Wealth Wizard , this coming Saturday 12^th November, where I will be speaking on the subject of Gold and why now is the time to purchase it!

Until next time to your financial success and becoming financially savvy.

Butterfly Wealth Creation

Last week I wrote a blog post about why one needs to become financially savvy with gold and in that post I said would write in my next post why gold has pulled back and how this can benefit you and your family’s financial future.

Gold has fallen almost $400 in a week from its Summer high of$1900 an ounce, and is currently settling around the $1,600 mark. Some people believe this fall is due to Gold being in a bubble and that it will continue to fall. I disagree and believe that if you have not already started protecting your assets with Gold now is the time to start doing so.

Watch the short video below to get a better understanding of why there is a pullback in Gold! The speaker is very succinct, logical and sound!

http://video.foxbusiness.com/v/1176712605001/

Ultimately with the global economy still in a crisis we have probably seen the highs for gold this year but we can expect new highs some time in 2012. So much so, that many gold expects believe Gold will rise to a level of $10,000 rather than collapse in a bubble! And that it will continue to rise for years to come! Thus, now is the time to position yourselves to enjoy those coming highs! Remember wealth does not disappear it is transferred!

To learn how you can start purchasing Gold in a cost effective, safe and secure manor then join me tonight in my webinar ‘8 Reasons for YOU to Purchase Gold Today!’ To register your place click here!

Watch out for my next post, or even subscribe to this blog ‘Becoming Financially Savvy’, where I will show you why Gold is not in a bubble!

To your financial success and becoming financially savvy…with Gold!

Butterfly Wealth Creation

P.S. If you are on either or both of the social media websites – Facebook or Linkedin, then I invite you to join the group ‘Becoming Financially Savvy with Gold’!

http://www.linkedin.com/groups/Become-Financially-Savvy-Gold-4141167

https://www.facebook.com/groups/Goldismoney/

I will also be speaking at the Wealth-Wizard event next month, Saturday November 12th – on the subject of Gold - http://www.wealth-wizards.co.uk. It is a FREE event so book your ticket today and become financially savvy with Gold!

This is a great video as to why it is important to invest in your financial education and become financially savvy; as well as not to take everything you hear on mainstream news as gospel….

http://www.youtube.com/watch?v=9fzO_YhOYNQ

Needless to say the presenter’s comments are wholly incorrect. It is fiat currencies – the dollar, yen, pound, etc, etc – that are not backed by anything! All fait currencies revert back to its intrinsic value which is 0!! Look out for my next post on why Gold has pulled back and how this can benefit you and your family’s financial future.

On that note if becoming financially savvy with Gold is something that interest you then join me next week Wednesday 26th October at 8pm GMT for a webinar on the 8 reasons to purchase gold and how you can do this in a cost effective, simply and safe way. Register your seat here http://bit.ly/qkUrcQ

In the meantime if you want to hear real and relevant news as to what is going on in the economy then check out Ken McCarthy’s Real Econ TV as well as join my Linkedin and Facebook groups – Become Financially Savvy with Gold.

http://www.linkedin.com/groups/Become-Financially-Savvy-Gold-4141167

https://www.facebook.com/groups/Goldismoney/

I will also be speaking at the Wealth-Wizard event next month, Saturday November 12th – on the subject of Gold - http://www.wealth-wizards.co.uk. It is a FREE event so book your ticket today and become financially savvy with Gold!

To your success and becoming financially savvy!

Butterfly Wealth Creation

Copyright: Getty

Women and their money! This is what  Cherry‘s Cash Dilemmas on BBC3 was all about! Where Cherry Healey, a highly dynamic and down to earth presenter, travelled around the country (UK) looking at women’s relationship with money.

‘She goes to meet women with very different experiences of the folding stuff (money), from a self-made millionaire to a woman on the breadline. Cherry experiences for herself what it’s like to eat from a bin when she spends time with a freegan and gets a complete WAG makeover from a girl on a mission to bag a rich husband. Cherry’s journey takes her around the country as she finds out how financially-independent women really are and if cash can make us happy.’

To watch the programme click the link (10 days to watch it) – http://www.bbc.co.uk/i/b013h51z

As a financial literacy educator supporting individuals to create their own personal economy by becoming financially savvy and serious about wealth creation, especially in these unprecedented economic times, I watched with intrigue and interest. And although I found the programme wholly entertaining and was touched by the various stories of the participants, I think it failed to touch on two essential points that make or break an individual’s relationship with money, and those are one’s mindset in regards to money and the value(s) one places on money, which is dependent on their ‘money’ mindset.

In this short video Dr John Demartini, one of the stars of film ‘The Secret’, addresses this quite succinctly.

httpv://www.youtube.com/watch?v=5gxmuaGSWd4

Cherry writes on her BBC3 blog post that her core question whilst making this very personal documentary was ‘whether money can make you happy or not’? For me, it is not necessarily whether money can make you happy or not, but what money can do for you that makes you happy or not. All money is ultimately is a tool! Just like a drill is a tool which you use to create the hole in the wall to hang that beautiful piece of artwork that makes YOU feel good! It’s not the drill that made you feel good but the artwork – the end product! Thus, how you think about money, how you treat it, is the amount we will attract and manifest into our lives, irrelevant of how much we ‘say’ we want (more of) it.

Marie-Claire Carlyle, author of How to Become a Money Magnet, and one of the keynote speakers at the up and coming Infinitely Wealthy Women event on Saturday 10^th September, writes “Money is an emotional subject…Your feelings are a clue to your unconscious beliefs. Once you uncover your unconscious blocks to wealth, you will be in a much better position to remove them…“

As such I could assume that the 5 participants’ feelings and unconscious beliefs to money as being as follows -

Wannbe Wag – ‘I am not smart or intelligent enough to earn my own money.’

Self-Made – ‘Once I have a lot (more) money (and things) I will feel more secure and valuable.’

Freegan – ‘Having and earning a lot of money is a big responsibility.’

Struggling – ‘If you’re rich in love, health and happiness, you don’t need money.’

Riches to Rags – ‘If I really strive for wealth and don’t succeed, I’ll feel like a failure.’

After watching the programme would you agree?

There are so many limiting beliefs around money which influences what we tell ourselves as to why we don’t have it or even, feel we don’t deserve it. The remedy to this is financial education! And not in the sense of how to create a budget? But what is money? And how to make it work hard for you rather than you working hard for it. In all honesty why isn’t this taught at schools anyway?

Jim Rohn, an American entrepreneur, author and motivational speaker, says a “Formal education will make you a living; self-education will make you a fortune.”

Financial Education falls under self education and this is what Robert Kiyosaki, author of the multimillion copy bestselling personal finance book that teaches people how to become masters of their money and sustain wealth for themselves and their families, Rich Dad, Poor Dad, say about it ‘Without Financial Education, your money flows to those who profit most from your financial ignorance.”  And this is why financial education is not taught at school! To keep us ignorant! Ultimately, however, and thankfully, the world is changing and the old rules of ‘go to school, get a job, work hard and get a pension, no longer apply. And women, interestingly enough, are positioned to flourish during this change.

According to a recent BBC report, the number of female millionaires is set to rise (http://news.bbc.co.uk/2/hi/business/4788815.stm). In addition to that and according to a UK think tank, women are set to represent more than HALF of Britain’s millionaires by 2020. The wealth gap between millionaires of both sexes is also closing, the report found.

Over the past eight years, while the wealth of a male millionaire increased by 9.2%, female millionaires’ net worth shot up by 53.9%.  Another report in The Guardian states that a report from market analyst Datamonitor has found that women now make up 46% of the UK’s 376,000 millionaires, and this number is increasing by 11% a year.

Possible explanations for this range from women living longer; women are more independent than in the past and there are more female entrepreneurial role models than in the past to women running businesses is much more culturally accepted and women have better inter-personal and management skills than men – key skills to have in the 21st century business world. Noami Sesay, of The Billionaires’ Ladies Club, and another keynote speaker at the Infinitely Wealthy Women event, will be exploring this subject and showing why now is the time for women to truly get their slice of the wealth pie.

To end Cherry’s Money Dilemmas is an excellent programme to open up and delve into this very important and essential subject ‘YOU and your money’, particularly now when stock markets are losing value, world governments are failing & financial institutions are in debt; which is why I am so pleased to putting on with my colleague, Elena Theodorou of Passion Meets Profit, the first Infinitely Wealthy Women event on Wealth Creation & Preservation on Saturday 10^th September.

httpv://www.youtube.com/watch?v=Ze9HIY7mfCg

This event is not simply about DIY but UIY – Understand It Yourself, so that if YOU so choose, you can Do IT Yourself! No one should know more about your money than you! And no one should have a better relationship with your money than you.

To purchase your ticket to this life-enhancing and changing event, with other like-minded women, go to www.InfinitelyWealthyWomen.com/IWW. If you purchase one ticket the second ticket will be half price! This offer lasts until Friday, 26^th August 2011. For this week only you will also receive a Marie-Claire Carlyle – The Money Magnet Coach, bonus gift! You don’t want to miss out on this!

And finally for the first FIVE people who purchase a ticket AND write a comment to this blog post before Friday 26^th August, you will be given a complimentary ticket for a (female) guest of your choice to also attend the event!

To your success and becoming financially savvy!

Butterfly Wealth Creation

P.S. To know out more about Infinitely Wealthy Women please click here 

Isn’t time you started preserving your wealth?

There is saying which goes ‘Rich people have big libraries whilst poor people have a big televisions’. And this is directed at those in financial poverty but mindset poverty, as well!

There is also something else that the rich have but the poor do not, and that is strategies to not only grow their wealth but to preserve it.

In the last several decades the objective for the masses has been to pursue capital appreciation aka ‘getting rich’; which has been epitomised by the now ‘ailing’ property market – globally and nationally.  In contrary the art of wealth preservation and protecting one’s wealth has been forgotten and all but dismissed by the masses.

Wealth preservation can be defined by the relevance of putting more importance on not losing money than it is to making money.  As such the paradigm shift of the 20^th and 21^st century has been to ignore the business and economic cycle of old; and that is that there is a time to reap and a time sow.   There will always be rainy days – as the global and national economic downturn demonstrates.

With UK inflation – a stealth form of tax that erodes the value of your money – hitting a two year high; there are various ways to preserve your wealth but here are three ways that Butterfly Wealth Creation – the business that helps you to ‘create wealth, preserve it & prosper’ proposes, some of which are mentioned and recommend by my favourite financial magazine www.MoneyWeek.com, –

1. National Savings and Investments (NS&I) inflation-linked savings certificate. These certificates were pulled from the market last year due to over subscription, so if it is something of interest to you then click here sooner rather than later to review and get your account.
2. Forex -a high risk strategy which plays the different world currencies against each other. The interest rates, however, can be quite lucrative. For further information on this please contact Amanda Francis Elliott of Wise Women Wealth at info@WiseWomenWealth.com . Or if you would like to learn how to trade the markets for yourself then contact Eamon Philips of Veritas Traders on 0800 002 9398.
3. Gold (and silver), the only assets that has never failed in history. They are both tangible assets of inherent value as such their purchasing power will never fall to zero. The same cannot be said for the various world fiat currencies. Eventually all revert back to their intrinsic value, 0.

In the video below Mike Maloney, the No.1 precious metals expert out there, talks about investing in gold and silver.

httpv://www.youtube.com/watch?v=a9-bOinwh9Y

To start purchasing Gold in a secure, safe and cost effective way then click here to review and sign up to KB Vision, a German-Swiss company bringing gold to the people. Gold is, after all, for everyone not just the rich and the elite

To end it is important to note that yes, other asset classes are more about capital appreciation and growth, which is what you may be looking for;  however, gold should be an asset to also diversify in to for the reasons stated above. No one knows what is going to happen in the coming years but the gold bull market is not going to crown any time soon and there are solid and factual reasons for this. Thus, the paradigm of the masses will more likely than not, shift from wealth appreciation to that of wealth preservation and when it does it will fuel the continuous glittering rise of both gold and silver. And, as such gold’s role in preserving wealth will once again assume its historical position of importance and safety aka store of value.

“Although history never quite repeats itself, and just because no development is inevitable, we can in a measure learn from the past to avoid a repetition of the same process. One need not be a prophet to be aware of impending dangers. An accidental combination of experience and interest will often reveal events to one man under aspects which few yet see.” F.A. Hayek, The Road to Serfdom, 1944

To your success and becoming financially savvy

Butterfly Wealth Creation

P.S. I will holding a number of talks on Gold both online and offline; the first being this Friday 17^th June at the City Business Library, in London, UK – which is now fully booked. Thus, please sign up to my Gold mailing list to be kept up-to-date with dates.